BlastPoint's Credit Union Scorecard
COLUMBIA
Charter #62930 · MO
COLUMBIA has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 14.50% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,129
+1.8% YoY+2.3% QoQ
|
-486 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$33.1M
+8.0% YoY+0.3% QoQ
|
+$2.9M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$19.7M
+10.7% YoY-0.7% QoQ
|
+$4.0M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$29.5M
+8.5% YoY+0.1% QoQ
|
+$3.9M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.2%
-82.5% YoY-29.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
5.2%
-4.4% YoY-0.6% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
97.1%
+13.9% YoY+1.2% QoQ
|
+14.5% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
0.1%
-33.6% YoY-9.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
66.8%
+2.1% YoY-0.9% QoQ
|
+6.2% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$23,147
+7.5% YoY-2.4% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 11.7% in tier |
| CD Concentration |
3.3%
+30.2% YoY+33.9% QoQ
|
-21.1% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)